New and Improved Drug & Underwriting Filter We’re excited to announce that additional enhancements have been made on our CSG Actuarial quoting & comparison tool for Medicare Supplement and Medicare Advantage/PDP! FIELD UNDERWRITING IN AN INSTANT The new Drug and Underwriting Filter on our CSG Actuarial tool assists you with field underwriting and populates only carriers able to underwrite the condition/medication. Existing User? Click Here to Access CSG Actuarial (Login required) First-Time Users: How Do I Gain Access? Read Full Good News Announcement Questions? Call the GoldenCare Marketing Team at 800-842-7799! Don’t forget to subscribe to our News
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“When the Long-Term Care Insurer Refuses to Pay”
“When the Long-Term Care Insurer Refuses to Pay,” by Dan Bosko, Next Avenue “I put in a claim with mom’s long-term-care insurer (a major player in the business), expecting approval reimbursing us in short order for the caretaker’s work. Much to my shock, the claim was rejected. Here was the sticking point and the insurer’s grounds for denial: According to the policy, the caretaker I’d hired did ‘not provide services to (my mother) as an employee of an entity that has an agreement as a provider of home health care services or hospice services under the Medicare program or that is licensed
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“Deal Combines Long-Term Care Insurance Distributors”
“Deal Combines Long-Term Care Insurance Distributors,” by Allison Bell, ThinkAdvisor “LTC Global Inc. says it has joined with Joseph Pulitano to form a new long-term care insurance distribution operation, LTC Agency Operations LLC. LTC Agency Operations will absorb ACSIA Partners and LTC Global Agency from LTC Global Inc., and Pulitano’s Advanced Resources Marketing business, LTC Global Inc. says.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): As we reported yesterday.
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“Will My Mother’s Jewelry Count as an Asset for Medicaid Eligibility Purposes?”
“Will My Mother’s Jewelry Count as an Asset for Medicaid Eligibility Purposes?,” ElderLawAnswers “Q: My mother is in assisted living and has about one year left before she spends down to $4,000 and applies for Medicaid. She has about $12,000 in jewelry that she insisted on taking with her. The facility listed the jewelry as part of her personal inventory. Will she have to sell her jewelry before she can qualify for Medicaid? “A: Your mother should be able to keep her jewelry because personal items are not countable against the Medicaid asset limit, similar to clothing and furniture. The fact that
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“What if We Don’t Shore Up Social Security?”
“What if We Don’t Shore Up Social Security?,” by Bernice Napach, ThinkAdvisor “What population groups will suffer the most if the federal government does not address the shortfall in the Social Security Trust Fund for retirees? Not surprisingly, the youngest population cohort would suffer the biggest deficits because its members would be collecting smaller payouts for longer, according to a new report from the Employee Benefit Research Institute (EBRI). The oldest age group would suffer the least. … Individuals ages 35 to 39 will have to save an additional $58,000 in their retirement funds by the time they reach 65 to make up
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“Fast Food Linked To Dementia, ‘Irreversible’ Brain Damage”
“Fast Food Linked To Dementia, ‘Irreversible’ Brain Damage,” by Leian Naduna, Medical Daily “Scientists found that regularly consuming fast food such as burger, fries and soft drinks increases the risk of dementia, along with a lack of exercise. They are also more prone to type 2 diabetes and a decline in brain function.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): Hold the Big Mac.
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“LTC Global and ARM Combine LTCi Distribution Businesses Under Pulitano”
“LTC Global and ARM Combine LTCi Distribution Businesses Under Pulitano,” Business Wire “LTC Global, Inc. announced today that it has formed LTC Agency Operations LLC (LTCAO), a new intermediate holding company, with Joseph G. Pulitano. LTC Global and Pulitano have contributed their Long Term Care insurance (LTCi) distribution businesses to LTCAO, including ACSIA Partners, LTC Global Agency and Joseph G. Pulitano Insurance Agency, Inc. d/b/a Advanced Resources Marketing (ARM). The combined businesses make up the largest independent LTCi marketing operation in the industry with over 500 career LTCi specialists. Mr. Pulitano will serve as LTCAO’s Chief Executive Officer, and Henrik
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“Walk this way: Wearable artificial ‘muscles’ for functional disabilities are in the works”
“Walk this way: Wearable artificial ‘muscles’ for functional disabilities are in the works,” by Alicia Lasek, McKnight’s LTC News “Wearable artificial ‘muscles’ that can help those with functional disability to walk, sit and stand are in the works, thanks to the U.K. researchers who created ‘smart’ trousers, a set of leggings designed to help older adults stay mobile longer.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): Robotic ADLs. How will the actuaries deal with that?
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Update to Final Expense Application Submissions
Notable News Important update to final expense application submissions Effective Monday, July 1, 2019, the Final Expense Accelerated DB/Terminal Illness Disclosure Form (Form No. ACC-DISC-LR) must be signed, dated, and submitted at the time of the final expense application submission. In the past, the form was signed on delivery. It is now required to be signed, dated, and submitted with the application. Please note that this form is not required in all states. The form may still be obtained on delivery for applications received on or before July 31, 2019, however applications received on or after 8/1/19 must include
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Term Life Express as Mortgage Protection
A Term Life Express (TLE) policy protects your client and their family, but what if they survive the term period selected? With our return of premium option, they can receive a partial return of the premiums available at the end of their level policy term. These funds can be used to pay off their mortgage, giving them and their family peace of mind. Customize and instantly download our TLE mortgage protection client letter to mail to your leads and clients. You can find it on Sales Professional Access, by contacting Sales Support at 1-800-693-6083, or through your normal ordering channels.
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